Business Banking Credit Relationship Analyst 3- Sacramento, CA

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career.

Try new things, learn new skills and discover what you excel at—all from Day One.

This is a Business Banking credit and underwriting support role focused on analyzing financials and supporting lending for business clients with $2.5MM–$50MM in annual revenue. This is not a data, reporting, or business systems analyst position. The Business Banking Relationship Credit Analyst supports Business Banking Relationship Managers by assisting with the evaluation of lending opportunities and maintaining strong credit quality across a portfolio of business clients with $2.5MM–$50MM in annual revenue.

This role is hands‑on with financial statement analysis, underwriting support, and preparation of credit‑related documentation. The analyst partners closely with internal credit and risk teams to support sound credit decisions and a strong client experience.

• Provide credit and underwriting support for Business Banking lending opportunities, including preparation of pre‑flight materials and credit documentation.
• Analyze and review business financial information such as financial statements, tax returns, cash flow, and borrowing base calculations.
• Assist with underwriting support, including credit analysis and evaluation of lending requests.
• Partner closely with Relationship Managers supporting business clients within the $2.5MM–$50MM revenue segment.
• Support portfolio and risk management efforts through thoughtful analysis, monitoring, and coordination with internal partners.
• Gather required documentation and assist in moving credit requests through the approval and closing process.

• Bachelor's degree, or equivalent work experience
• Five to eight years of Business Banking experience

• Experience supporting business or commercial credit, underwriting, or lending analysis in a banking environment.
• Strong understanding of financial statement analysis, cash flow, and core credit fundamentals.
• Knowledge of credit administration, analysis, and credit policy/procedure
• Ability to work effectively with individuals and groups across the company to manage customer relationships
• Effective verbal and written communication skills

The role offers a hybrid/flexible schedule. There's an in‑office expectation of 3 or more days per week with the flexibility to work outside the office location for the other days. If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short‑term and long‑term disability
• Pregnancy disability and parental leave
• 401(k) and employer‑funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
• Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet‑based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.…